We had some damage from fallen trees and wind and the like
from Superstorm Sandy.
I say
"Superstorm" because Governor Andrew Cuomo, New York's duly elected
Chief Executive,
declared
that because Sandy had weakened to the level of a tropical storm before it made
landfall, it was not an official hurricane and the insurance companies could
not treat it as such.
Following the storm, Long Island and other storm-hit areas
of the country were invaded by various itinerant insurance adjusters, building
contractors (or, for that matter, demolition contractors), utility workers, and
other opportunistic enterprisers who, to their credit, were, for the most part,
actually ready, willing and able to bust their baytzim for long hours to earn a
living, and who temporarily augmented the resident cadres of such laborers.
A group of men whose ability to wield their chainsaws was
far greater than their ability to speak English hooked up with my backyard
neighbor, who walked around the block to knock at my door to implore me to give
the impromptu work crew access to my back yard so that they could completely
and safely (relatively speaking) remove the tree that I had not until then
realized had fallen into my yard.
No Problem! And while
they were here, would they be able to remove the heavy 40-foot tree that had
fallen onto my wife's car? With my
neighbor aiding in bridging the gap between Inglés
y Español, we agreed on the dinero and about 45
minutes later, my wife's care was relieved of the weight of one large Douglas Fir
tree, and my wallet relieved of the burden of carrying around three hundred
dollars. They carted away the branches
and logs in the deal, so I really couldn't complain. The matters of removing the stump, replacing
the shingles on the roof and the gutters, and removing some other trees which
fell down without damaging anything more than other trees and bushes had yet to
be attended to.
The insurance adjusters arrived at my house. I use the plural because the damage to the
car was covered by our automobile policy with one insurance carrier, and the trees
and house were covered by our homeowner's policy with another carrier. My wife had intended to keep her car until it hit
100,000 miles, but, with the big dents (and, as it turned out, frame damage),
she added the insurance proceeds to the trade-in at 78,000 miles and got
herself a new car.
As for the homeowner's policy, I showed the adjuster what
happened. He asked if there was any food
spoilage from the power outage. I told
him that as the storm was approaching Florida, I took the precautions of adding
lots of ice packs, and we did not open the freezer during our almost 2 days
without power, so none of the food in our freezer went bad.
The adjuster told us that we probably could get away with
declaring $200 - $300 of food spoilage.
I told him that we were declaring zero, because that is what our food
spoilage was.
Understand that I am no great fan of the insurance
companies, but for $300 I have no intention of letting my good name go
bad. I am now litigating a case worth
far, far more than the $300 phantom food spoil, and have been engaged to write
a legal memo for another attorney in another matter which will probably get me
about $500, which is a drop in the bucket compared to the millions at stake in
that litigation (and there may be some criminal prosecutions coming out of that
one as well). How did I get those
cases? The first one is from a long-time
client who trusts me. The second was on
account of a recommendation from another attorney with whom I have not spoken
in almost 10 years (I'll have to give him a call and thank him once I collect
my fee, which should be in the next week or two).
It all comes down to my good name and reputation!
Superstorm Sandy did highlight some very positive qualities
in lots of people. People who were
willing to work, people who were out there helping those in need, people who
were more concerned for their good names and reputations than in making a few
dirty dollars.
My record for predicting criminal sentences will not get me
a job in London's High Street betting parlors any time soon, and my contact in
the New York Attorney General's office is, as usual, limiting her remarks to those set
forth in the official press releases.
Whether Caterina does or does not get any jail time will be left to the
bookies in Queens, London, and everywhere in between. I do believe, however, that I can safely
predict that Caterina will be liquidating one or both of the homes she owns in
order to pay her legal expenses.
But then, there is the broader issue of the government throwing out so many dollars with so few strings attached, and then wondering why so many people are defrauding it.
Labels: Criminals, Disasters, fraud, Hurricane Sandy, Working for a Living